If you own a rental property or an unoccupied or vacant home, you may need a landlord policy to cover any property that is not currently or typically occupied by you and your family. 

Properties are considered vacant or unoccupied if no resident is living in the home for 30 days or more, and claims that happen in a vacant or unoccupied home (like vandalism, fire, or water damage) may not be covered by standard home insurance policies. 

You may need rental or vacant home insurance if you: 

• often travel for weeks at a time, leaving the home empty
• don't live in the home and rent out the property
• are in-between renting the home to tenants

If you're curious about whether you need vacant home or rental home insurance, call LW Short Insurance and we will discuss your individual insurance needs. Our insurance experts will put a plan in place that will protect your property and financial future from unexpected incidents. We will rush to find you affordable insurance options and can even get you covered the same day!